It's a way to borrow, or even lend, money, re-finance, whatever, without putting up with all the bank BS. How can I write this without sounding like an advertisement? I don't think I can. But, my brother got me started on there, and I was able to refinance all my debts into one for 10% APR. And, the big banks don't get their grubby hands on your money. You are borrowing/lending money to/from other members. My brother, father and I are all users. Any questions?